Learn more about Court Judgments (CCJ) / Decrees?
- What is a Court Judgment (CCJ) / Decree?
- How long will a Judgment (CCJ) / Decree stay on my credit file?
- How will a Judgment (CCJ) / Decree affect my credit rating?
- Where does Judgment (CCJ) / Decree information come from?
- How do I satisfy or amend Judgments/Decrees & Administration Orders?
- Who Took Me to Court?
- Where can I find Court contact details?
- What can I do if I believe there is Court information which is registered incorrectly?
- Who are Registry Trust Ltd?
What is a Court Judgment (CCJ) / Decree?
If you owe money to a lender, they could go to the county court to claim it back. And if the court rules in the lender's favour, they'll issue a county court judgment (CCJ) or decree against you for the amount you owe plus any extra costs.
We don't keep the details of who took you to court, but you can get the details from the county or sheriff court directly.
How long will a Judgment (CCJ) / Decree stay on my credit file?
These stay on your report for six years from the date the court issues them, even after you've paid them. But if you pay the judgment/decree within a month, you can ask for it to be taken off the register and your credit report.
How will a Judgment (CCJ) / Decree affect my credit rating?
This can look bad on your credit report and make it harder for you to get credit. Only the lender can decide whether or not to offer you credit. If your application is rejected, you should contact the lender directly to find out why.
Where does Judgment (CCJ) / Decree information come from?
Registry Trust Ltd is a non profit-making company that the government set up to take care of the statutory public register of county court judgments and administration orders from county courts in England and Wales.
The registry passes the details of all these judgments/decrees, as well as any amendments, to credit reference agencies like us to include in our files.
How do I satisfy or amend Judgments/Decrees & Administration Orders?
England & Wales
Once you've repaid all the money you've been asked to pay, you can change your credit report. To do this, send your proof of payment to the court listed in your credit report and include the court fee of £15.
The court will then send you a certificate of satisfaction. The Registry Trust automatically receives the changes and then lets us know. We'll update your credit report within a month of you paying.
If you repaid your debt within one month of the judgment, the Registry Trust will take it off their register and your credit report. If you pay it back after a month has passed, we'll mark it as 'satisfied'.
Please bear in mind that your certificate of satisfaction only confirms that you've paid the amount of your administration order, not that you've satisfied any county court judgment attached to it. You'll need a separate certificate, which you can apply for after you've paid the judgment debt.
To find contact information for the court that holds your record, visit http://www.courtservice.gov.uk
Scotland
When you pay off a money decree you received from the small claims or summary causes sheriff court, you'll need to send proof of payment to the Registry Trust.
Their address is:
Registry Trust
153 -157 Cleveland Street
London
W1T 6QW
You'll need to include a search fee of £4.50 and give them the address where the decree is held if it's different from your home address. Your proof of purchase will need to be a letter or receipt from the person or company you owe the money to (or their agent/solicitor) confirming:
- the sheriff court concerned
- the amount of the decree and case number
- the date of the decree
- the date you paid in full
The Registry Trust will then let us know and we'll update your credit report. If you paid the debt within one month of the decree, it will be removed completely from both the Scottish Register held by the Registry Trust and from your credit report. If you pay it after a month, we'll mark it on your credit report as 'satisfied'. The Registry Trust will also let us know if your decree is recalled, and we'll then take it off your report.
To find contact information for the court that holds your record, go to http://www.scotcourts.gov.uk
Isle of Man
When you've paid your judgment in full, the General Registry needs to let us know so that we can take the debt off your report. Their address is:
Isle of Man Courts of Justice
Deemsters Walk
Bucks Road
Douglas
Isle of Man
IM1 3AR
The lender you owed the money to can let them know you've paid, or you can write to them with a certificate from your local coroner's office.
If you paid the debt within one month, although the General Registry will record the judgment as satisfied, we'll take it off your credit report. If you paid the debt after a month, we'll mark it as 'satisfied'. The General Registry will also let us know if your decree is recalled, and we'll then take it off your report.
To find contact information for the court that holds your record, go to http://www.gov.im
Jersey
When you've paid a judgment recorded at either the Royal Courts of Justice or the Petty Debts Court, we can update your credit report once you've sent proof of payment to the Registry Trust.
Their address is:
Registry Trust
153 -157 Cleveland Street
London
W1T 6QW
You'll need to include a search fee of £4.50 and give them the address where the decree is held if it's different from your home address. Your proof of purchase will need to be a letter or receipt from the person or company you owe the money to (or their agent/solicitor) confirming:
- the amount of the judgment
- the date of the judgment
- the date you paid in full
The Registry Trust will then let us know and we'll update your credit report. If you paid the debt within one month of the decree, it will be removed completely from both the Jersey Register held by Registry Trust and from your credit report. If you pay it after a month, we'll mark it on your credit report as 'satisfied'. The Registry Trust will also let us know if your decree is recalled, and we'll then take it off your report.
Northern Ireland
These judgments are for unenforced small claims and default judgments you receive from the individual county courts in Northern Ireland.
When you've paid a judgment in full, we can update your credit report once you've sent proof of payment to the Registry Trust.
Their address is:
Registry Trust
153 -157 Cleveland Street
London
W1T 6QW
You'll need to include a search fee of £4.50 and give them the address where the decree is held if it's different from your home address. Your proof of purchase will need to be a letter or receipt from the person or company you owe the money to (or their agent/solicitor) confirming:
- the amount of the judgment
- the date of the judgment
- date you paid in full
The Registry Trust will then let us know and we'll update your credit report. If you paid the debt within one month of the decree, it will be removed completely from both the register held by Registry Trust and from your credit report. If you pay it after a month, we'll mark it on your credit report as 'satisfied'. The Registry Trust will also let us know if the court overturns your judgment, and we'll then take it off your report.
To find contact information for the court that holds your record, go to http://www.courtsni.gov.uk/en-GB/AboutUs/CourtLocations/
Who Took Me to Court?
I'm afraid we don't have details of the person or company who took you to court. You can find this out by contacting the county/sheriff court directly and giving them your case number.
Where can I find Court contact details?
You can find the contact information for the court that holds your record at one of these websites:
England and Wales: http://www.courtservice.gov.uk
Northern Ireland: http://www.courtsni.gov.uk/about+us/contact+us.htm
Scotland: http://www.scotcourts.gov.uk
Isle of Man: http://www.gov.im
You'll need to give the court your case number. For Scottish courts, you might also need to give the date of the decree. If your judgment lists the court as Northampton (except case numbers starting NN), you can contact the Northampton Bulk Centre on 01604 601636 for the information you need.
What can I do if I believe there is Court information which is registered incorrectly?
You should contact the court directly . You'll find the contact details at one of these websites:
England and Wales: http://www.courtservice.gov.uk
Northern Ireland: http://www.courtsni.gov.uk/about+us/contact+us.htm
Scotland: http://www.scotcourts.gov.uk
Isle of Man: http://www.gov.im
You'll need to give the court your case number. For Scottish courts, you might also need to give the date of the decree. If your judgment lists the court as Northampton (except case numbers starting NN), you can contact the Northampton Bulk Centre on 01604 601636 for the information you need.
Who are Registry Trust Ltd?
Registry Trust Ltd is a non profit-making company that takes care of the Register of County Court Judgments and administration orders from the county courts in England and Wales.
They also hold public registers covering money judgments/decrees in Scotland, Isle of Man, Northern Ireland and Jersey, and act as a clearing house for judgments registered in the Republic of Ireland.
The registry passes the details of all judgments/decrees and amendments to credit reference agencies like us to include in our files.